Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Microsoft MB-320 : Microsoft Dynamics 365 for Finance and Operations, Manufacturing exam Dumps

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Exam Number : MB-320
Exam Name : Microsoft Dynamics 365 for Finance and Operations, Manufacturing
Vendor Name : Microsoft
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MB-320 exam Format | MB-320 Course Contents | MB-320 Course Outline | MB-320 exam Syllabus | MB-320 exam Objectives


Skills Measured

Set up and configure manufacturing (30-35%)


Implement and test the production control module

• identify components of unified manufacturing

• validate the interconnectivity between General Ledger and the production control modules

• implement parameters, production orders, and life cycle

• implement and manage subcontracting processes

• configure and manage Costing sheets

• implement and manage work Calendars

• configure Inventory dimensions in Production

• implement and manage resources and resource groups

• create and manage operations and routes


Configure and manage a product configuration model

• build and manage product configuration model components

• create and manage products

• configure and manage constraints

• configure and manage BOM lines and route operations

• configure and manage pricing for production configuration models

• describe the purpose and capabilities of the product configuration models


Create and manage production and lean orders (25-30%)

Create common components of production and lean orders

• create and configure catch weight items

• create production flows

• create and manage Kanbans

• create and manage formulas

• create and process batch, production, and lean orders

• set up and maintain commodity pricing

• apply product compliance standards

• identify items and substitute items within a bill of material (BOM) or formula


Manage scheduling and subcontracting

• implement processes to manage Scrap and Waste for a Discrete order

• implement production scheduling and subcontracting

• implement activity-based subcontracting

• create and maintain project items and item tasks


Create, process, and manage production batch orders (40-45%)

Manage the Production batch order lifecycle

• process Batch orders

• implement containerized packaging

• set up and maintain commodity pricing

• manage product compliance

• implement and configure rebates

• implement lot and batch control processes

• create planned production batch orders by using the Master Planning module

• implement processes to manage Scrap and Waste of a Batch order

• perform a batch Rework

• configure batch reservations and expiration dates

• identify and configure batch attributes for processes

• implement integrated batch processing with warehouse management system (WMS),also known as Advanced Warehouse Management

• complete production processes for co-products and by-products


Manage and maintain formulas

• create and manage co-products and by-products

• create and manage planning items

• create and manage formulas with scalable and percentage-based calculations

• create and manage formulas with co-products, by-products, and planning items

• create and manage formulas with active ingredient-based calculations

• implement step consumption and batch consumption


Configure and manage manufacturing executions

• identify the capabilities and limitations of the manufacturing executions module

• identify the responsibilities of the security role managing the production processes

• process Production orders by using manufacturing execution processes

• process lean orders by using Kanban boards

• identify the process workflows for managing a production environment



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Microsoft and braindumps

 

With Microsoft, Meta and Alphabet earnings hanging on AI, more investors are asking: ‘How are you going to pay for that?’

Shares of big tech companies have coasted through this year on AI euphoria, but as Microsoft Corp., Alphabet Inc. and Meta Platforms Inc. prepare to report results this week, some investors are starting to ask how much those AI advancements might actually cost.

Those questions have surfaced after several months during simply saying “AI” on earnings calls appeared to be enough for investors. If the economy sours though — as some expect in the second half of this year or next year — big tech’s AI ambitions could go with it.

...

Microsoft And Amazon To Layoff A Total Of 28,000 Employees - Why They Are Seeing Some Of The Highest Layoffs In Tech History

Getty Images Key takeaways
  • Combined, Amazon and Microsoft are laying off a total of 28,000 employees
  • The wave of tech layoffs is continuing into 2023
  • An uncertain economic climate is one reason behind the string of layoffs
  • The current economic climate is highly unsettled, and recession fears have plagued their economy for months. According to the National Bureau of Economic Research, they haven’t hit an official recession yet. However, mass layoffs in the tech industry have shown us that the economic picture is anything but rosy.

    Let’s dive into the details of the latest wave of job cuts and explore why they might be seeing these historic layoffs.

    What’s happening?

    It’s not a secret that the tech industry has been struggling for months. In 2022, hundreds of companies across the tech industry instituted layoffs. Meta’s layoffs were among the eye-popping headlines, with over 11,000 employees out of a job.

    It looks like the tech layoffs will continue with lasting impacts in 2023. Earlier this month, Amazon and Microsoft announced layoffs totaling around 28,000 employees combined.

    Here’s a breakdown of the layoffs at both companies—plus what it all means for tech investors and how Q.ai can help.

    Microsoft layoffs

    On January 18, Microsoft’s CEO, Satya Nadella, announced significant layoffs at the company. In a statement, Nadella said, “today, they are making changes that will result in the reduction of their overall workforce by 10,000 jobs through the end of FY23 Q3. This represents less than 5 percent of their total employee base, with some notifications happening today.”

    Nadella continues, “It’s important to note that while they are eliminating roles in some areas, they will continue to hire in key strategic areas. They know this is a challenging time for each person impacted. The senior leadership team and I are committed that as they go through this process, they will do so in the most thoughtful and transparent way possible.”

    Interestingly, Microsoft mentions hiring employees in certain areas. Earlier this month, Nadella warned of challenging times ahead in the next two years for the tech sector in an interview with CNBC-TV18.

    Amazon layoffs

    While Microsoft is laying off around 10,000 people, Amazon is laying off an astounding total of 18,000 people. This combined number includes layoffs in November 2022. The cuts represent approximately 6% of Amazon's workforce.

    According to a memo from Andy Jassy to Amazon employees, many teams are impacted. However, most of the eliminated roles are connected to the Amazon Stores and PXT divisions.

    Within the memo, Jassy says, “Amazon has weathered uncertain and difficult economies in the past, and they will continue to do so. These changes will help us pursue their long-term opportunities with a stronger cost structure; however, I’m also optimistic that we’ll be inventive, resourceful and scrappy in this time when we’re not hiring expansively and eliminating some roles. Companies that last a long time go through different phases. They’re not in heavy people expansion mode every year.”

    Tech layoffs: reasons

    It’s estimated that approximately 174 tech companies have already laid off over 56,000 employees in 2023. Given that it’s still only January, these cuts are remarkable. However, the latest wave of layoffs is a continuation of the series of layoffs that happened throughout 2022.

    These layoffs are evidence of a struggling tech industry. But why is the tech sector having a tough time? Here’s a look at some of the reasons behind the history-making layoffs.

    The need to pivot

    The tech industry is constantly shifting. That’s the nature of companies working on ever-evolving technology. As the company grows toward new technologies, some are left behind.

    Even Microsoft’s CEO pointed out that the company will continue hiring in key areas. In other words, the company is channeling its resources to new technology that might be beneficial in the long run.

    With technological advances, some of the layoffs at major tech companies are an unavoidable part of progress.

    Shaky economic times

    In the last year, the economy has been anything but stable. As households and companies brace for a recession, it’s an appropriate time for some belt-tightening. While households can trim their expenses by cutting back on splurges, companies often cut back by instituting layoffs.

    Layoffs aren’t pleasant for anyone, but the action might be what the company needs to stay afloat. With fewer jobs to support, companies can continue moving forward regardless of economic storm clouds.

    Are layoffs bad for investors?

    Although people’s gut reaction to headlines about layoffs is negative, layoffs aren’t necessarily a sign of doom for the tech industry. Instead, the industry is likely to continue shifting as it pushes the envelope of technology forward.

    While individual companies might become winners or losers, technology will likely continue to be a worthwhile investment for many portfolios. The main challenge is to determine which companies will come out on top. Of course, it’s impossible to predict the future, but carefully monitoring the market might indicate the right choices for your portfolio.

    If you aren’t up for the challenge of regularly monitoring all things tech, that’s okay. You can harness the power of artificial intelligence (AI) to monitor the markets for you. Using Q.ai, you can add Investment Kits to your portfolio.

    Once you choose an Investment Kit, Q.ai will monitor the changing market. If things change in the tech industry, Q.ai will make the appropriate changes to your portfolio to keep it aligned with your goals and risk tolerance. If you are interested in tech, consider adding the Emerging Tech Kit to your portfolio.

    The bottom line

    The latest layoffs from Microsoft and Amazon will leave thousands of tech workers without jobs. Although the numbers are eye-popping, the layoffs don't mean disaster for the tech sector. Instead, it signals economic uncertainty and a need to redirect company resources toward new technology ventures.

    Download Q.ai today for access to AI-powered investment strategies.


    Microsoft and Alphabet Earnings Review: Buy One, Avoid the Other

    No result found, try new keyword!The two tech behemoths Microsoft MSFT and Alphabet GOOGL reported Q2 earnings Tuesday after the market closed, and one stock is rallying, while the other is selling off. Although these are ...
     




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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug